Nabangga ng pampasaherong jeep

[willyfernando]

I'm not sure bakit ang mumura ng mga participation fee niyo. Nabangga ako sa likod last year, ang participation sa comprehensive insurance is usually atleast 20-30% of the value na pinapagawa. Minimum ata ang 3k. In my case, 150k inabot yung estimate ng toyota and ang participation fee ko cost 40k. refundable naman daw ang participation fee kapag nakasingil na ang insurance. more than 1 year na, di pa din nila nasisingil, mukhang goodbye na ang 40k ko. Ang hassle pa dito is the availability of parts, inabot ng 5 months na nakatengga sa casa kotse ko. di ko naman magamit kasi wasak yung rear door ng suv ko.

yung nakabangga pala sa akin is company driver ng ictsi. nakatulog habang nagdradrive during rush hour traffic.

Read the fine print of your insurance offer before you award your decision to an insurance company. Make sure to get as much info of your coverage including extensive repair costs and exactly how much is their participation fee. My SUV had a 400k repair estimate and my insurance took care of dealing with the nitty gritty stuff with the CASA details and just charged me 3k for the participation fee. I didn't even break a sweat during the processing of my claims and yes the parts had to be imported but it only took 60 days for them to release my car afterwards. It all boils down to how good and professional your insurer is when it comes to handling CASAs and clients. I think your insurance company isn't good at all and you may have been duped by them and the CASA altogether. With your coverage being comprehensive, I am assuming the policy Specifically covers the entire vehicle cost based on it's current fair market value including Theft, 3rd party damage to property, 3rd party bodily injuries, auto personal accident (at least 75k coverage per person in the vehicle) and most especially AOG. The participation fee, from 1% up, is the usual offer so I am wondering why 40k in your case? These were very clear in the offers presented to us from the start. I'd switch to a different insurance company if I were you.

[sientobente]

Read the fine print of your insurance offer before you award your decision to an insurance company. Make sure to get as much info of your coverage including extensive repair costs and exactly how much is their participation fee. My SUV had a 400k repair estimate and my insurance took care of dealing with the nitty gritty stuff with the CASA details and just charged me 3k for the participation fee. I didn't even break a sweat during the processing of my claims and yes the parts had to be imported but it only took 60 days for them to release my car afterwards. It all boils down to how good and professional your insurer is when it comes to handling CASAs and clients. I think your insurance company isn't good at all and you may have been duped by them and the CASA altogether. With your coverage being comprehensive, I am assuming the policy Specifically covers the entire vehicle cost based on it's current fair market value including Theft, 3rd party damage to property, 3rd party bodily injuries, auto personal accident (at least 75k coverage per person in the vehicle) and most especially AOG. The participation fee, from 1% up, is the usual offer so I am wondering why 40k in your case? These were very clear in the offers presented to us from the start. I'd switch to a different insurance company if I were you.

That particular car was covered by Standard Insurance. All my other cars are with BPI/MS. Which one do you use? Thanks.

[willyfernando]

That particular car was covered by Standard Insurance. All my other cars are with BPI/MS. Which one do you use? Thanks.

Strangely it is Standard Insurance that covers all my cars and they have never failed me in any of my claims. My wife just recently figured in a collision last Sept. 2, 2014 and they took care of our claims in just 6 days. If I hadn't been so busy that time it would've been 4 days from the time of the incident. The policy was brokered by BDOI and they gave me Standard Insurance as my cover company. I recently renewed my 2013 Honda Pilot's coverage with them and as I have posted, the same conditions apply for their offer except my car had a 10% annual depreciation in terms of vehicle valuation. I did scout around for other offers just to see how different the others were from Standard Insurance but I still went with them in the end. It also helped that my bank was supportive and their insurance brokers (BDOI) are influential in the industry so I always ask them to intercede however they can in each claim I file with them.

[red_one]

ang laki ng difference..

40k participation fee / 150k repair = 26.67%
3k participation fee / 400k repair = 0.75% FTW

sino insurance provider mo *willyfernando?

[willyfernando]

ang laki ng difference..

40k participation fee / 150k repair = 26.67%
3k participation fee / 400k repair = 0.75% FTW

sino insurance provider mo *willyfernando?

Standard Insurance. Of course it may appear ridiculous but you know how CASAs blow up their estimates. Somewhere in their negotiations I guess a discount haggle would've reached realistic values. The important thing is if your car is under comprehensive coverage so your participation fee should be very minimal and usually hovers around 1% of your car's FMV during the first 3 years of cover.

[shadow]

If it's more than 3 yrs old, meron ka ng participation Sa mga replaced parts.


Posted via Tsikot Mobile App

[willyfernando]

*sientobente

Kindly Send me an email at moderator snip and I will reply with the insurance adjuster's contact info. Sorry I am not yet familiar on how to send PM via this forum and had been struggling to send one since this afternoon.

[willyfernando]

*sientobente

PM sent finally. It was just my celfone that I couldn't work out to send PM but on my Laptop it was ok.

[ninjababez]

*sientobente

PM sent finally. It was just my celfone that I couldn't work out to send PM but on my Laptop it was ok.

bro delete mo na email add mo for your security. txt ko nalang kay sientobente email add mo.

[willyfernando]

bro delete mo na email add mo for your security. txt ko nalang kay sientobente email add mo.

I would appreciate it if the MODS could do me the favor.

[sientobente]

Many thanks Sir Willy. Will try that out. Tinext na po ako ng resident chickboy po natin na si Ninjababez.

[radz15]

Update ko lang tong thread. Nakapag bayad na yung jeepney driver sa hiningi kong damage. Ok na

[ninjababez]

Update ko lang tong thread. Nakapag bayad na yung jeepney driver sa hiningi kong damage. Ok na

magkano binayad sayo bro, full amount ba?

[sean-archer]

^ car owner has no comprehensive insurance? Ano po year model ng kotse nya?

Sent from my SM-G935F using Tapatalk

[cast_no_shadow]

^ car owner has no comprehensive insurance? Ano po year model ng kotse nya?

Sent from my SM-G935F using Tapatalk

Possible ipapasok niya din sa insurance may 20K pa siya, bawas na lang participation.


Sent from my iPhone using Tapatalk

[Ferlie Cruz]

Honda Civic 2010 Model po.

[sean-archer]

Honda Civic 2010 Model po.

My beloved civic model.

Tama si sir shadow, if may insurance yung tao, ipasok nalang dun then you pay for participation fee. Kung wala insurance, makiusap na lang kayo maayos,tawaran. Pareho talaga talo at may loss ang both parties pag accident.

Sent from my SM-G935F using Tapatalk

[Ferlie Cruz]

My beloved civic model.

Tama si sir shadow, if may insurance yung tao, ipasok nalang dun then you pay for participation fee. Kung wala insurance, makiusap na lang kayo maayos,tawaran. Pareho talaga talo at may loss ang both parties pag accident.

Sent from my SM-G935F using Tapatalk

sana ma settle na namin agad.. medyo mahirap kase kausap yun owner..
anyway, thank you guys..

[reymund]

My beloved civic model.

Tama si sir shadow, if may insurance yung tao, ipasok nalang dun then you pay for participation fee. Kung wala insurance, makiusap na lang kayo maayos,tawaran. Pareho talaga talo at may loss ang both parties pag accident.

Sent from my SM-G935F using Tapatalk

Question lang sir, what if the owner has the insurance but he tells na wala para lang mahingi ng additional para sa damyos, then ini insist mo na idaan nalang sa insurance claim then participation fee nalang ang sasaguton mo..

How can we know po na may insurance ang nabangga mong vehicle?

Also, in the event na nakabangga ka, then inamdmit naman na may insurance yung sasakyan.. is okay ba na humingi ng damyos dun sa accident? may batas ba na nasusulat tungkol dito, or pwede ka bang tumanggi at sabihin idaan nalang sa insurance yung damage.. TIA.

[L1quid]

Forgivr me pero pede impound? Hindi ba sa vehicular accidents ay copies lang ng updated rehistro, lisensya tska insurance policies lang kelangan? Then police report na?

Impound diba sa mga kulang lang ng papeles yun?

Sent from my SM-G930F using Tapatalk